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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,130 | $81,403-39.6% | $147,027-66.6% | $87,485-43.8% |
| Participation rate | 51.9% | 63.4%-11.6pp | 73.7%-21.9pp | 68.9%-17.1pp |
| Annual return | 22.81% | 16.51%+6.3pp | 20.23%+2.6pp | 26.06%-3.2pp |
| Employer contribution / active EE | $3,021 | $2,205+37.0% | $3,626-16.7% | $2,596+16.4% |
| Participant deferral / active EE | $3,704 | $3,315+11.7% | $4,933-24.9% | $4,274-13.3% |
| Admin fee / account holder | $449 | $6,755-93.4% | $12,223-96.3% | $7,775-94.2% |